What is the purpose of a SR22 Document?

The SR22 document is a certificate of financial responsibility issued by an insurance company. Its purpose is to provide proof to the state’s Department of Motor Vehicles (DMV) that a high-risk driver has obtained the required liability insurance coverage. The SR22 is typically required for drivers who have had their licenses suspended or revoked due to serious traffic violations, such as DUI/DWI, driving without insurance, or multiple at-fault accidents. The SR22 ensures that the driver maintains continuous insurance coverage for a specific period mandated by the court or the DMV. If the driver’s insurance policy lapses or is canceled during this period, the insurance company is obligated to notify the DMV, which may result in further penalties or license suspension. The SR22 document helps reinstate driving privileges and demonstrates the driver’s financial responsibility.